AEGON Direct Marketing Services, Inc. (ADMS) is one of the largest direct marketers of life, supplemental health and specialty insurance products, as well as fee-based programs. Using a variety of direct response techniques such as direct mail, television, outbound and inbound telemarketing, point of sale, statement inserts and the Internet, ADMS offers consumers convenient alternatives for purchasing insurance.

ADMS focuses on middle-income households seeking affordable insurance protection, and uses its modeling and segmenting expertise to tailor marketing campaigns to specific segments and drive customer acquisition.

With North American and international operations, ADMS currently serves nearly 20 million customers worldwide. Its extensive insurance product portfolio includes whole and term life, accidental death, supplemental health and specialty products such as travel, student health, disability and credit life insurance. Stonebridge Casualty Insurance Company, Stonebridge Life Insurance Company, Transamerica Life Insurance Company and Monumental Life Insurance Company underwrite these products. ADMS also offers a variety of non-insurance membership and fee-based products that complement its insurance products.

Direct marketing, defined as a distribution system that uses methods other than face-to-face sales calls, is one of the fastest growing forms of distribution in the U.S. It offers a convenient alternative to customers who prefer to buy insurance without meeting with an agent.

ADMS operates in two strategic market channels.

Sponsored Channel: ADMS has established strong business partnerships with a variety of sponsoring organizations and uses the endorsement of these organizations when marketing products to their customers or members. They have become the partner of choice for many of the leading financial institutions, educational institutions, credit unions, associations, retailers, travel agents, car dealers and employer groups by responding to each partner's unique needs and developing customized programs for that partner. These customized programs range from a full package of product development, administrative, technology and marketing services to providing only products or a single service such as product underwriting. ADMS works directly with its business partners, as well as through brokers, agents, and third-party administrators. Products marketed in this channel include accidental death, supplemental health, life, credit, travel and student health insurance.

Direct Channel: To provide customers with convenience and access, ADMS offers its products directly to consumers primarily through TV, direct mail, telemarketing and the Internet. The main products marketed in this channel are life and supplemental health insurance, and non-insurance products. Since it provides unencumbered access to the consumer, the direct channel offers significant opportunities for product development and testing, and to cross-sell products to existing customers.

With its large product portfolio, diverse marketing methods, modeling and segmenting capabilities, strong and diverse business partners, and presence throughout the world, ADMS possesses a depth and breadth of expertise and experience that enable it to develop innovative, customized products to meet customers' changing needs and fuel the division's growth.

Additional information can be found at: www.aegondms.com